Best Life Insurance for People With High Cholesterol in 2025 (Top 10 Companies Ranked)

Gerber Life, Banner Life, and Nationwide have the best life insurance for people with high cholesterol, starting at $18 per month.

Gerber Life offers affordable plans for medical conditions, Banner Life provides flexible policy options, and Nationwide ensures low rates with trusted service.

Our Top 10 Company Picks: Best Life Insurance for People With High Cholesterol

These companies focus on your life insurance coverage for individuals with high cholesterol needs and well-being (Read more: How much does life insurance cost?)

Free instant life insurance for people with high cholesterol is just a click away. Enter your ZIP code to get started.

#1 – Gerber Life: Top Overall Pick

Pros

• Affordable Rates: Gerber Life offers life insurance for high-cholesterol individuals, starting at $18 per month.
  
• Flexible Coverage: Offers term, whole, and no-exam life insurance options suitable for individuals with high cholesterol.
  
• Easy Application: The process is easy and fast for those managing high cholesterol. Check out our Gerber Life Grow-Up Plan Review.

Cons

• Limited Features: Some plans might not have as many features as others. This could be a problem for people looking into topics like high cholesterol.
• Customer Service: Some customers say resolving claims takes longer than expected for those with high cholesterol who need life insurance.

#2 – Banner Life: Best for Healthy Lifestyles

Pros

• Customizable Plans: Our Banner Life insurance review highlights flexible term and universal life insurance for people with high cholesterol.
• Affordable Pricing: Rates start at around $20 monthly, making it a budget-friendly option for high-cholesterol clients.
  
• Easy Underwriting: The simplified process helps people with high cholesterol secure coverage easily.

Cons

• Fewer Discounts: Banner Life offers limited discounts, which can increase costs for individuals seeking high cholesterol insurance.
  
• Slow Response Times: Some customers with life insurance and high cholesterol report claims or customer service delays.

#3 – Nationwide: Best for Comprehensive Coverage

Pros

• Excellent Support: Provides reliable customer service helping individuals with high cholesterol navigate coverage and manage policies.
  
• Robust Coverage Options: Our Nationwide life insurance review offers term, and whole life insurance plans for people with high cholesterol.
• Wide Availability: Available in most states, providing access to high cholesterol life insurance options for many customers.

Cons

• Higher Costs: Premiums for high cholesterol term insurance at $28 per month may be higher than competitors’ rates for similar coverage.
  
• Limited Online Features: Some users with high cholesterol find online policy management tools insufficient.

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#4 – State Farm: Best for Excellent Support

Pros

• Discount Opportunities: Offers competitive rates at $32 a month for people with high cholesterol and additional savings when bundling policies.
  
• Financial Stability: As per State Farm review, it has A++ A.M. Best rating ensures long-term reliability for high cholesterol coverage.
• Flexible Plans: Policies can be adjusted to suit personal needs (term or whole), including for people with high cholesterol.
  

Cons

• Higher Costs: Premiums may be higher even with high cholesterol discounts than other providers.
  
• Limited Online Tools: Some individuals with high cholesterol find the website harder to navigate than others.

#5 – Prudential: Best for Flexible Policies

Pros

• Affordable Premiums: According to our Prudential life insurance review, the company provides life insurance for those with high cholesterol for $24 monthly.
  
• Flexible Coverage Options: Prudential has flexible plans such as term or whole tailored to meet the needs of individuals with high cholesterol.
  
• Excellent Reputation: Offers reliable coverage and flexible underwriting for people with high cholesterol.

Cons

• Complex Application: A lengthy process may be a drawback for people with high cholesterol.
• Higher Premiums for Older Applicants: Premium rates can increase significantly for older applicants, especially those with high cholesterol.

#6 – Transamerica: Best for Long Term

Pros

• Strong Financial Stability: With A (Excellent) rating from A.M. Best, it’s a reliable option for individuals with high cholesterol.
• Customizable Policies: Offers term, whole, and universal life insurance based on the specific needs of people with high cholesterol.
• Diverse Coverage Options: As mentioned in our Transamerica review, it offers multiple riders and policy features for individuals with high cholesterol.

Cons

• Complex Claims Process: Claims may be slower and require more documentation for those with high cholesterol. 
  
• Limited Discounts: Transamerica offers fewer discounts than other high-cholesterol life insurance providers, which may affect affordability.

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#7 – Guardian: Best for Permanent Life Insurance

Pros

• Affordable Plans: The Guardian is one of the best life insurance providers for people with high cholesterol, starting at $30 per month.
  
• Comprehensive Coverage: The Guardian provides term or whole life coverage, which is a good reason for those with high cholesterol.
  
• Financial Stability: Our Guardian Life insurance review, it has A++ (Superior) rating from A.M. Best for people with high cholesterol.

Cons

• Higher Premiums: The company charges much higher premiums, based on higher cholesterol counts, than others.
  
• Limited Digital Tools: Some customers with higher cholesterol find their digital tools less user-friendly than competitors.

#8 – MassMutual: Best for Whole Life Policies

Pros

• Affordable Premiums: MassMutual offers life insurance for people with high cholesterol, starting at $25 a month.
  
• Comprehensive Policies: According to our MassMutual life insurance review, it offers term, whole, and no-exam life insurance for high cholesterol.
  
• Strong Customer Service: Provides strong support for people with high cholesterol navigating life insurance.

Cons

• Complex Underwriting Process: MassMutual’s underwriting process can be lengthy, potentially delaying coverage for those with high cholesterol.
• Limited Discounts: MassMutual offers fewer discounts than other insurers, which might make it less affordable for high-cholesterol individuals.

#9 – John Hancock: Best for Health Rewards

Pros

• Unique Wellness Program: Provides vitality program rewards healthy habits—like regular checkups and physical activity for high cholesterol.
  
• Flexible Coverage: John Hancock’s life insurance review highlights its term, permanent, and universal plans perfect for individuals with high cholesterol.
• Competitive Pricing: John Hancock offers value for money, even for those with high cholesterol and life insurance rates at $35 per month.

Cons

• Higher Costs: John Hancock’s premiums tend to be higher than some other companies, particularly for those with high cholesterol.
  
• Complex Application: The application process for life insurance options for high cholesterol might be more involved, which could deter some individuals.

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#10 – AIG: Best for Customizable Plans

Pros

• International Coverage: Offers international life insurance options, including coverage for frequent travelers and expatriates with high cholesterol.
• Strong Financial Rating: Based on our AIG review, it holds an A (Excellent) rating from A.M. Best for reliable protection for people with high cholesterol.
• Affordable Rates: AIG offers affordable rates at $22 per month for individuals with high cholesterol, making it a good choice for global coverage.

Cons

• Limited Customer Service: Some customers with high cholesterol report difficulty reaching life insurance support.
• Complex Policy Options: AIG’s many policy options may be confusing for people with high cholesterol new to life insurance.

High Cholesterol Life Insurance Policy

High cholesterol can complicate life insurance applications but doesn’t make coverage impossible. Insurance companies assess your overall health, including life insurance with high cholesterol levels, to determine your risk. Insurers may still offer competitive rates if your cholesterol is controlled through medication, diet, or exercise.

High Cholesterol Life Insurance Monthly Rates by Provider & Coverage Level

Understanding high cholesterol life insurance rates and life insurance cholesterol guidelines can help you navigate your options effectively. When you apply, you may need to take a medical exam to check your cholesterol. Knowing this helps you better prepare and manage your condition while finding the right coverage.

Top 10 Life Insurance Providers and Their Policy Offerings

Insurers look at your total cholesterol, LDL (bad cholesterol), HDL (good cholesterol), and triglycerides. Controlled levels often result in better rates, even if your total cholesterol is slightly higher than average. Finding the right high-cholesterol term insurance starts with shopping around and comparing policies to ensure you’re treated fairly.

Read More: What is an instant life insurance policy?

If you’re worried about higher costs due to your cholesterol, consider looking into no-exam life insurance or plans designed for higher-risk individuals. These choices might cost more, but they can help you feel secure and take care of your family’s finances. A local insurance agent can help you find the right plan for your needs.

Top Life Insurance Providers Offering Discounts With High Cholesterol

Top life insurance providers offer discounts for individuals managing high cholesterol by promoting healthier lifestyles. AIG is a great option because it rewards non-smokers, healthy habits, and paid-in-full policies.

Banner Life offers discounts for non-smokers, multi-policy holders, and certain occupations, appealing to professionals in low-risk fields. Here are some of the discounts that can help you save money when buying life insurance.

Life Insurance Discounts for People with High Cholesterol

Gerber Life and Guardian Life offer discounts for non-smokers and encourage healthy lifestyles. Gerber also offers perks for safe driving and full payment policies. John Hancock’s Vitality Program, which sets itself apart, rewards policyholders for staying active and eating well.

MassMutual and Nationwide offer similar benefits while adding discounts for bundling or long-term coverage. State Farm and Prudential highlight healthy living and non-smoking rewards, including discounts for good driving and medical management.

Transamerica and Guardian Life provide occupational discounts alongside healthy lifestyle benefits. Choosing the right provider ensures affordable coverage with rewards that fit your habits.

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Factors That Affect Life Insurance for People With High Cholesterol

High cholesterol life insurance providers look at overall health risks when insuring people with high cholesterol. High cholesterol raises the chances of heart issues like heart attacks or strokes, affecting life expectancy.

Insurers check the balance of HDL (good cholesterol) and LDL (bad cholesterol), along with total cholesterol. A better balance often means lower premiums, while high LDL or poor ratios can lead to higher costs or limited coverage.

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How well someone manages their cholesterol also matters. Using medication, eating a healthy diet, exercising, or making lifestyle changes can help. Insurers might ask for medical records or require a health exam to check how well the condition is controlled.

Regular doctor visits and following treatment plans can improve your chances of getting good rates. Other factors, such as age, weight, smoking, and family health history, also affect risk. For instance, a smoker with high cholesterol and a family history of heart problems is seen as riskier than a non-smoker.

Insurers review the full health picture to decide on coverage and pricing. Check how life insurance companies determine your heart health for more details.

Term Life Insurance With High Cholesterol

Managing high cholesterol while applying for high-cholesterol term life insurance can improve your chances of getting better rates. Start by working with your doctor to control your cholesterol through diet, exercise, and medication, if needed.

Small changes, like eating less saturated fat, staying active, and quitting smoking, can make a big difference over time. Showing insurers you’re working to stay healthy may lead to lower premiums.

Be honest when sharing your health details with insurers. Provide recent cholesterol readings, medical records, and any treatment plans to avoid complications during the application process.

Hiding details could result in higher costs or even coverage denial. You might also benefit from consulting an insurance broker who understands high-risk applicants and can connect you with insurers open to working with your condition.

Shop around and compare providers, as some insurers are more flexible with applicants managing high cholesterol. Ask if they’ll adjust rates if your health improves. You can find a policy that suits your needs and budget by managing your health, being transparent, and exploring options. Here are the types of term life insurance available.

How Life Insurance Works for Individuals With High Cholesterol

There are many common life insurance policy trends for people with high cholesterol. For instance, people who do not update their medical records or regularly check with their primary care doctor tend to have higher life insurance cholesterol rates.

However, high cholesterol life insurance quotes are lower for those who demonstrate health-conscious decisions by maintaining a controlled diet, exercising, and taking consistent medication prescribed for high cholesterol.

More importantly, people whose ratio is below 4.0 and whose cholesterol level falls within the range of 150 to 250 are best covered by the most desirable insurance policy. Over 250 is high; you must compare them with your HDL and LDL levels.

Lastly, comparing term life insurance quotes is one of the best decisions you can make when reviewing all your life insurance options.

Once you get approved for a budget-friendly life insurance policy, you may focus on improving your rating class with your company by putting first a healthy lifestyle, lowering your cholesterol, and showing good lab test results.

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High Cholesterol Levels and Heart Disease Indicate High Risk 

Cholesterol is not something bad. As a matter of fact, the body produces cholesterol to keep it healthy. Cholesterol can come into our bodies from the food that we digest. When you check your cholesterol, your doctor measures your high-density lipoprotein, or HDL, and your low-density lipoprotein, or LDL.

HDL cholesterol stops LDL cholesterol from clogging up your artery walls, which may cause obstruction in the blood flow and increase your chances of a heart attack or stroke. Keeping your HDL cholesterol at desirable levels will help you avoid having a stroke or a heart attack.

Learn More: How To Get Life Insurance With Heart Disease

Insurance companies prefer covering individuals who are less likely to die. Hypercholesterolemia, based on the National Library of Medicine, is a term for the technically correct way to describe having high cholesterol may trigger heart attacks and strokes and has grave medical implications that might cause an untimely death.

Case Studies: Life Insurance Approval With High Cholesterol

Getting life insurance with high cholesterol can feel challenging, but it’s possible with the right steps. These case studies of John, Sarah, and Mark show how they handled their situations. They highlight the value of staying healthy, doing research, and being committed to finding the right coverage.

• Case Study #1 — John’s Life Insurance Approval: John was a 45-year-old male with high cholesterol who wanted to find the best life insurance for his family. Despite this, he looked into different types of insurance and showed dedication to a healthy lifestyle through exercise, diet, and medication.
• Case Study #2 — Sarah’s Improvement: Sarah, 35, with high cholesterol, took proactive steps for life insurance approval. She followed her doctor’s advice with regular check-ins and treatments, monitoring her cholesterol levels and medications.
• Case Study #3 — Mark’s Healthy Lifestyle and Lower Premiums: Mark, a 50-year-old with high cholesterol, was determined to lower his life insurance premiums. He focused on maintaining a healthy lifestyle, including a controlled diet, regular exercise, and a consistent medication routine for his cholesterol.

These case studies show that having high cholesterol doesn’t mean you can’t get life insurance. By making positive lifestyle changes, working with doctors, and finding the right insurance providers, people like John, Sarah, and Mark were able to get the coverage they needed.

Start comparing life insurance for people with high cholesterol today and protect your future with confidence.

Getting Life Insurance for People With High Cholesterol

Life insurance for people with high cholesterol is not only accessible—it can also be affordable with the right approach. Top providers like Gerber Life, Banner Life, and Nationwide offer flexible, budget-friendly coverage options tailored to your health profile.

Read more: Do life insurance companies test for drugs?

By comparing providers, understanding how cholesterol levels impact your health rating, and choosing the right policy, you can secure protection that fits your needs. Whether you manage your condition through medication or lifestyle changes, exploring multiple quotes is the best way to find quality coverage at a competitive rate.

Simplify your life insurance for people with high cholesterol by entering your ZIP code into our free quote comparison tool and finding coverage that fits your budget and needs.

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